How to Handle a Car Accident

Posted on: October 19, 2017By: Abbate Insurance Blogging Team

Understand the basics of what you need to do if you’re ever involved in a car crash.

Over six million car accidents occur each year in the United States. The good news is that most of them involve only property damage, but one in three accidents involved personal injury. With two out of every ten accidents leading to fatal injuries, it’s essential that drivers know how to handle a car accident – as well as safe driving habits!

Pull over. If you’re in the position where you and the cars involved can pull over, do so safely. Ideally, you want to aim for the right side of the road or a parking lot. Always stop, even if it’s a minor accident.

Phone emergency services. If anyone involved in the accident is injured, call 911 immediately and request assistance. While you’re at it, prevent further accidents by setting up flares or turning your hazard lights on.

Give an accurate statement. When the police arrive, make sure to tell them exactly what happened, to the best of your ability. If you don’t know certain facts, inform the investigating officer. You should also make sure statements made by other people involved in the accident are accurate as well.

Record the evidence. Photograph the damage to your car, the involved vehicles, and write down as much information as you can, such as the time, date, location, driver’s involved, license numbers, insurance information, and contact details.

Report the accident. Notify your insurance company as soon as possible. Many policies require immediate reporting and full cooperation. Let your insurer know that you were involved in a car accident, and they will handle it from there on out! Typically, they will ask for details, and may send a claims adjuster to inspect your vehicle. After inspection, you’ll be sent a settlement offer, to which you’ll pay the deductible and the insurance policy will provide for the remaining balance.

Working with agents that work for you is critical when handling these situations. Contact the professionals at Abbate Insurance to secure the right auto insurance for your vehicle in New Haven, Connecticut. Our trained experts can match you with the right policy to suit your journey, needs, and car, all at the right price.